Franklin County property record for 649 E Gulf Beach Dr, Eastpoint, FL 32328
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,500 sqft · built 2001 |
| Lot Size | 0.344 acres (15,021 sqft) |
| Owner | Individual Name on File |
| Last Sale | $499,000 (Jul 2018) |
| Tax Bill | $6,135 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 29-09S-06W-7312-000K-0070 |
| Primary APN | 29-09S-06W-7312-000K-0070 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,500 sqft Heated Area |
| Gross Area | 2,064 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,021 sqft |
| Lot Width | 100 ft Width |
| Porch | Open Porch |
| Porch Area | 684 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 649 E GULF BEACH DR |
|---|---|
| City | EASTPOINT |
| State | FL |
| Zip | 32328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIT 2 BL K LOT 7 OR 177/587 OR/487/338 640/730 699/68 946/215 1222/678 |
| Legal Range | 06W |
| Legal Township | 09S |
| Legal Section | 29 |
| Legal Subdivision | ST GEORGE ISL GULF BCHS |
| Legal Block | K |
| Legal Lot Number | 7 |
| Legal Unit | 2 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | APALACHICOLA |
| Census Block Group | 1 |
| Census Block | 1080 |
| Census Tract | 970304 |
649 E Gulf Beach Dr is owned by an individual who bought it in July 2018.
Source: Franklin County records, as of January 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 128 ROSEINE DR, WARNER ROBINS, GA 31088-8561 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jul 6, 2018 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2018 · Amount on File |
| Deed Sale | Jul 6, 2018 · Amount on File |
| Prior Sale | Sep 6, 2007 · Amount on File |
| Deed Document Number | 201819003351 |
| Deed Book / Page | 1222 / 678 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 649 E GULF BEACH DR, EASTPOINT, FL 32328 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 128 ROSEINE DR, WARNER ROBINS, GA 31088-8561 |
| Document Number | 0019000920 |
|---|---|
| Date | Feb 15, 2022 |
| Book Page | 1326/502 |
| Instrument | 202219000920 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Jul 6, 2018 |
| Property Address | 649 E GULF BEACH DR, EASTPOINT, FL 32328 |
| Document Number | 0019003351 |
| Book / Page | 1222 / 678 |
| Map Reference | MB2 PG15 |
| Instrument Date | Jul 2, 2018 |
| Instrument | 201819003351 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2022 |
| Title Company | TALLAHASSEE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,493.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1006 REDAN DR, 1006, VERONA, WI 53593-7813 |
| Name | Verified Name |
|---|---|
| Address | 128 ROSEINE DR, WARNER ROBINS, GA 31088-8561 |
| Document Number | 0019003352 |
|---|---|
| Date | Jul 6, 2018 |
| Instrument | 201819003352 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
The 2025 property tax bill for 649 E Gulf Beach Dr was $6,135, up % from the year before.
Source: Franklin County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,135.00 (+0.05%) | $655,248 (-8.05%) Land $240,000 Building $415,248 | $655,248 (-8.05%) Land $240,000 Building $415,248 |
| 2024 | $6,132.00 (+6.13%) | $712,600 (+10.91%) Land $250,000 Building $462,600 | $712,600 (+10.91%) Land $250,000 Building $462,600 |
| 2023 | $5,778.00 (+13.12%) | $642,489 (+24.32%) Land $250,000 Building $392,489 | $642,489 (+24.32%) Land $250,000 Building $392,489 |
| 2022 | $5,108.00 | $516,802 Land $145,000 Building $371,802 | $516,802 Land $145,000 Building $371,802 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 649 E Gulf Beach Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 997 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1,020 units insured incl. 23 condo units |
| Nearby Flood Claims | 1,119 (1985–2024) |
| Claims Outside the SFHA | 1 of 1,119 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 649 E Gulf Beach Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATER MGMT SERVICES (ST. GEORGE ISLAND) private · serves 5,272 people · EPA ID FL1190789 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | Haloacetic acids not recorded as resolved · Apr 2024 Total trihalomethanes resolved · Apr 2020 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
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